What Is General Liability?

General Liability Insurance provides coverage for claims involving third-party bodily injury, property damage, and personal or advertising injury resulting from your business operations. It helps pay for legal defense costs, medical expenses, and settlements, offering a financial safeguard against common risks faced in everyday business activities.

Why Do You Need General Liability?

This coverage is essential for businesses that interact with clients, customers, or the public, as accidents can happen unexpectedly. Many landlords, clients, or licensing agencies require it as a condition of doing business. Without it, a single claim could result in significant financial loss or legal complications, making general liability a critical layer of protection for your business’s stability and reputation.

Questions to Ask Your Agent

• What specific risks does my policy cover and exclude?

• What are my coverage limits and can they be adjusted?

• Do I need any endorsements or additional insured coverage?

• How will claims be handled, and what documentation is required?

• Are there industry-specific coverages I should consider?